Car Insurance for High-Risk Drivers in Oregon (2026)
High-risk drivers in Oregon pay more for car insurance than people with clean driving records, but you can take steps to lower your insurance rates.
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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David MarlettAdvisor
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Your car insurance company may consider you a high-risk driver if you have a history of traffic violations or limited driving experience. Oregon drivers with a clean driving record pay an average monthly rate of $124. In comparison, high-risk drivers pay an average of $153 per month.
As a high-risk driver, you may struggle to find affordable car insurance, as insurance companies view you as more likely to file a claim. But buying auto insurance is essential — it allows you to drive legally and protects you financially.
Quick Facts
High-risk drivers in Oregon pay 29% more on average for car insurance than drivers with a clean record.
State Farm, Progressive, and Travelers rank among the best car insurance companies for high-risk drivers in Oregon.
Improving your driving record, taking a defensive driving course, and comparing quotes can help you find cheaper car insurance in Oregon as a high-risk driver.
Who is a high-risk driver in Oregon?
Insurance companies may consider you a high-risk driver if you meet the following criteria:[1]
History of traffic violations: A car accident, speeding ticket, or DUI on your record can make finding affordable car insurance more challenging.
Limited driving history: If you have a limited driving history, insurance companies view you as risky to insure. That’s one of the reasons teen drivers pay high rates for auto insurance.
Poor credit: In Oregon, insurers can consider your credit when determining car insurance rates. A poor credit history can lead to higher premiums.
Living in a high-risk area: Living in an area with high theft or vandalism rates can also make you a high-risk driver.
Find Cheap Car Insurance in Oregon
Liability rates start at $69 per month for drivers with an incident
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Best Oregon auto insurance companies for high-risk drivers
Along with your driving history, insurance companies consider factors such as your age and gender, your ZIP code, and your car’s make and model when determining your premium. The following companies rank among the best Oregon auto insurance companies for high-risk drivers.
State Farm: Best for teens
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $88/mo |
4.1
Best choice in OregonBased on 19,717 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Oregon for
Showing 29 reviews from Oregon driversSee all 7,799 State Farm reviews
Verified Review
Reviewed in Oregon on July 13, 2026
Great.
Verified Review
Reviewed in Oregon on June 23, 2026
I got with State Farm through a private insurance guy who said he runs his business how he wants to, but underwriting can come in at any time and overrule his choices. I found this out the hard way. After one major accident, I had a lady force me to reread her, and then I was informed I'd be getting let go in a few months. So I was forced to switch. I even called the guy, and he said, sorry there's nothing I can do because you haven't been with us for 3 years. Even once I hit 3 years, he still couldn't do anything. So I felt lied to a lot. The associates on the phone always had a different opinion about how things work, and not always was their information correct. I had to call back to talk to the owner to get a solid answer on anything.
Verified Review
Reviewed in Oregon on June 19, 2026
Their prices beat every insurance company that I called.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
656
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Since teen drivers have less experience behind the wheel, insurance companies consider them high-risk drivers and charge them higher rates. State Farm offers multiple discounts for teens, including a good student discount, driver training discount, and student away at school discount. Young drivers can also enroll in State Farm’s telematics program. Demonstrating safe driving habits can help lower their premiums.
Pros
Large network of independent agents
Above-average J.D. Power customer satisfaction rating in the Northwest region
Many discounts available for teens
Cons
No gap insurance
No accident forgiveness
High rates for drivers with DUIs
Progressive: Best for customizable coverage
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 607 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $144/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Oregon for
Showing 45 reviews from Oregon driversSee all 8,755 Progressive reviews
Verified Review
Reviewed in Oregon on July 10, 2026
Good, no problems.
Verified Review
Reviewed in Oregon on July 6, 2026
Very good
Verified Review
Reviewed in Oregon on July 4, 2026
They kept adding money to my bill secretly every month, thinking I wouldn’t notice. When I finally called them out, they said it was some fee (I had no accidents or anything) and refused to lower my bill, so I switched to State Farm.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive’s Name Your Price tool lets you find a policy that fits within your budget, a plus for high-risk drivers. After applying for a quote, let the company know how much you can afford to pay, and you’ll receive coverage offers that fit your budget. Progressive also offers a shrinking deductible for each policy period you don’t file a claim.
Pros
Superior AM Best financial strength rating
Offers accident forgiveness
Easy online quoting process
Cons
Below-average J.D. Power customer satisfaction rating in the Northwest region
Low Trustpilot rating
Poor driving behavior may cause rate increases
Travelers: Best for driver forgiveness
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $157/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $251/mo |
4.6
Best choice in OregonBased on 1,667 verified driver reviews and ratings
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Based on analysis of verified reviews collected by Insurify
Best in Oregon for
Showing 4 reviews from Oregon driversSee all 638 Travelers reviews
Verified Review
Reviewed in Oregon on May 5, 2026
Coverage is very good, but the price is not so good. It's too expensive, but the coverage is good.
Verified Review
Reviewed in Oregon on January 14, 2026
They were there when I needed them.
Verified Review
Reviewed in Oregon on January 6, 2026
They're the best and most reasonable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
592
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Drivers with a history of speeding tickets, at-fault accidents, and DUIs can find relatively affordable rates by switching to Travelers. The company will also file an SR-22 certificate on your behalf. To prevent your rates from going up in the future, Travelers also offers accident forgiveness and minor violation forgiveness.
Pros
Offers many different coverage options
Large network of local agents
Wide variety of discounts
Cons
Below-average J.D. Power customer satisfaction rating in the Northwest region
Low Trustpilot rating
Telematics could increase rates
Cheapest car insurance in Oregon with an at-fault accident
If you file a claim for an at-fault accident, your insurance rates will most likely increase, and those higher rates could stay with you for up to three years.[2] Insurance companies raise your rates to account for the increased possibility of future claims. The table below lists the best insurers for Oregon drivers with one at-fault accident on their record, according to Insurify data.
The below rates in Oregon are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $74 | $119 |
| Mile Auto | $85 | $110 |
| Sun Coast | $88 | $221 |
| USAA | $89 | $143 |
| Progressive | $89 | $197 |
| GEICO | $93 | $150 |
| National General | $96 | $181 |
| Bristol West | $108 | $197 |
| The General | $112 | $269 |
| Country Financial | $115 | $183 |
| Safeco | $115 | $164 |
| Dairyland | $117 | $245 |
| Root | $121 | $181 |
| American Family | $128 | $206 |
| Direct Auto | $133 | $245 |
| Allstate | $148 | $236 |
| Liberty Mutual | $170 | $231 |
| Farmers | $173 | $279 |
| GAINSCO | $202 | $355 |
| Travelers | $216 | $346 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Oregon with a DUI
A DUI on your record is a serious infraction, and just one will cause your insurance rates to skyrocket. The Oregon Driver and Motor Vehicle Services Division states that 40% of all traffic deaths are the result of impaired drivers.[3] Insurify data shows the companies listed below are the cheapest insurance companies for Oregon drivers after a DUI.
The below rates in Oregon are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $75 | $121 |
| Sun Coast | $83 | $209 |
| Progressive | $85 | $187 |
| Mile Auto | $85 | $110 |
| USAA | $89 | $143 |
| GEICO | $94 | $151 |
| National General | $97 | $182 |
| The General | $106 | $255 |
| Bristol West | $110 | $200 |
| Country Financial | $110 | $175 |
| Dairyland | $119 | $250 |
| American Family | $122 | $196 |
| Safeco | $122 | $175 |
| Root | $129 | $193 |
| Direct Auto | $132 | $241 |
| Allstate | $148 | $236 |
| Liberty Mutual | $173 | $234 |
| Farmers | $174 | $280 |
| GAINSCO | $213 | $373 |
| Travelers | $215 | $344 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Cheapest auto insurance in Oregon with a speeding ticket
Even a single speeding ticket can cause your insurance rates to increase. Speeding is a form of reckless driving, which increases the risk and severity of car crashes.[4] Insurers raise your premiums after a ticket to account for this risk. The table below shows the cheapest insurers for drivers with a speeding ticket, according to Insurify data.
The below rates in Oregon are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $73 | $117 |
| Mile Auto | $79 | $102 |
| USAA | $88 | $141 |
| Sun Coast | $88 | $222 |
| Progressive | $90 | $199 |
| National General | $93 | $175 |
| GEICO | $95 | $153 |
| Bristol West | $106 | $194 |
| Safeco | $112 | $160 |
| The General | $113 | $270 |
| Dairyland | $114 | $238 |
| Country Financial | $116 | $185 |
| Root | $118 | $177 |
| American Family | $126 | $204 |
| Direct Auto | $127 | $233 |
| Allstate | $147 | $234 |
| Liberty Mutual | $169 | $229 |
| Farmers | $171 | $274 |
| GAINSCO | $196 | $344 |
| Travelers | $214 | $342 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
How to find cheaper car insurance for high-risk drivers in Oregon
High-risk drivers generally pay more for car insurance, but you can take steps to reduce these costs:[5]
Take advantage of discounts
Many insurance companies offer discounts to help you save money on car insurance. For example, you could earn a discount for having certain safety features in your vehicle or for bundling multiple policies with the same insurer.
Increase your deductible
Your deductible is a cost you pay when filing an insurance claim, and the higher your deductible, the lower your premiums will be. Increasing your deductible from $200 to $1,000 could save you up to 40% on car insurance costs.
Switch to liability-only coverage
If your car is paid off or not worth much, or you can afford to replace it, consider dropping comprehensive and collision insurance.
Improve your credit
Drivers with poor credit tend to file more claims than people with good credit. Paying your bills on time, limiting your use of credit, and ensuring your credit report is accurate can improve your credit score, which may lead to lower insurance costs.
Comparison shop
Car insurance costs vary from one company to another, so it pays to shop around and compare quotes from different insurers. Get quotes from at least three different insurers, and check prices each time your policy renews.
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How to improve your driving record in Oregon
If you’re a high-risk driver, improving your driving record is one of the best ways to lower your car insurance costs. These tips can get you started:
Take a defensive driving course. Many insurance companies offer discounts to people who take a defensive driving course. Oregon also offers eligible drivers the Traffic School Diversion Program, which can remove minor traffic violations from your record.
Focus on good driving habits. The best way to improve your driving record is to obey traffic laws, drive at or below the speed limit, and avoid distractions while driving.
Oregon high-risk drivers insurance FAQs
Being labeled a high-risk driver can be stressful, but even with violations on your record, you can find ways to save on insurance. This additional information may help.
What makes you a high-risk driver in Oregon?
In Oregon, a high-risk driver has a history of traffic violations, like speeding tickets, at-fault accidents, or DUIs. Insurers also consider drivers in areas with high theft or vandalism rates and people with a limited driving history as high-risk.
How long will insurers consider you a high-risk driver?
How long you’re considered a high-risk driver depends on your driving history and your insurance company’s policies. Minor driving infractions can stay on your record for three to five years, and more serious offenses can remain for five years or longer.
What is an SR-22, and how do you get one?
An SR-22 is a certificate showing that you meet the state’s minimum liability coverage requirements. Your insurance company will file this form for you with the Oregon DMV.
What is the cheapest insurance company for Oregon high-risk drivers?
The cheapest insurance company for Oregon high-risk drivers is State Farm, but that doesn’t mean it’ll be the cheapest company for you. Compare multiple quotes and coverage options to get the best rates.
How much does high-risk auto insurance cost in Oregon?
In Oregon, high-risk auto insurance costs an average of $112 per month for liability-only coverage and $193 for full coverage.
Sources
- Insurance Information Institute. "What if I can't find auto coverage?."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Department of Transportation Driver and Motor Vehicle Services. "DUII Convictions Suspensions, Hardship Permits, and Reinstatements."
- National Highway Traffic Safety Administration. "Speeding and Speed Management: Understanding the Problem."
- Insurance information Institute. "Nine ways to lower your auto insurance costs."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
David MarlettAdvisor
25 years teaching risk management and insurance course
Former commercial lines underwriter